There are two kinds of problems in terms of insurance, ones that can never be avoided and ones that in theory can be. It’s unlikely but possible to buy and drive a car and never once get into an accident until the car is gone. It is impossible to drive a car without oil changes and tire replacement. Accidents are covered and the unavoidable is not.

The human body will require medical care. This is unavoidable. This is why it should not be left to private insurance.